Credit Inquiry Removal Letter

If you want to remove a credit inquiry from your credit report, you can follow these steps and use the following template as a guide for writing a credit inquiry removal letter. Before proceeding, make sure you have a valid reason for disputing the inquiry and that you have evidence to support your claim.

1. Gather Information: Collect all relevant information about the credit inquiry you wish to remove. This includes the date of the inquiry, the name of the creditor, and any supporting documents or evidence.

2. Verify the Inquiry: Ensure that the inquiry is indeed incorrect or unauthorized. Sometimes, inquiries may have legitimate reasons or could be the result of actions you've taken, such as applying for a loan or credit card.

3. Draft the Letter: Write a formal and concise letter to the credit reporting agency (CRA) responsible for the credit inquiry. In the letter, include the following information:

- Your full name and contact information

- The date of the letter

- The CRA's name and address (you can find this on your credit report)

- A clear statement that you are disputing the inquiry

- Details about the inquiry you want to be removed (creditor's name, date, etc.)

- The reason for the dispute (e.g., unauthorized inquiry, incorrect information)

- Any supporting evidence or documentation

- A request for a thorough investigation and removal of the inquiry

- A statement requesting a written response with the results of the investigation

4. Send the Letter: Send the letter via certified mail with a return receipt requested. This way, you'll have proof that the CRA received your dispute letter.

5. Follow Up: If you don't receive a response within 30-45 days, or if the inquiry is not removed as requested, follow up with the CRA to inquire about the status of your dispute.

Template for Credit Inquiry Removal Letter:

[Your Name]

[Your Address]

[City, State, Zip Code]

[Date]

[Credit Reporting Agency's Name]

[Credit Reporting Agency's Address]

[City, State, Zip Code]

Subject: Credit Inquiry Removal Request

Dear Sir/Madam,

I am writing to dispute a credit inquiry that appears on my credit report. I have reviewed my credit report, and the inquiry in question is as follows:

Creditor Name: [Creditor's Name]

Date of Inquiry: [Date of Inquiry]

Inquiry Type: [Hard/Soft Inquiry]

I believe this inquiry is unauthorized and should not be associated with my credit history. I have not applied for credit or authorized any third party to inquire about my credit with [Creditor's Name] on the aforementioned date.

Please find attached copies of supporting documents that verify my claim. I kindly request a thorough investigation into this matter and the prompt removal of the disputed inquiry from my credit report.

Furthermore, I request that you provide me with a written response containing the results of your investigation once it is completed.

Thank you for your attention to this matter. Please consider this as a formal request under the provisions of the Fair Credit Reporting Act.

Sincerely,

[Your Name]

[Enclosures: List any supporting documents]